A银行个人理财业务发展研究

发布时间：2018-05-12 20:24

本文选题：A银行 + 个人理财业务　；参考：《南京师范大学》2014年硕士论文

【摘要】：随着经济的发展,我国居民个人财富水平迅速积累,居民个人财产从无到有,从少到多。同时,我国金融市场快速发展,金融投资工具呈现出多样化和复杂化的趋势,居民的理财观念逐渐增强,因此对金融服务的需求也日趋多样化和复杂化。我国商业银行正处在微利时代,急需打造其核心竞争力,个人理财业务成为商业银行业务发展的新热点。个人理财业务不仅满足了市场需求,而且扩大了银行的产品经营范围,有利于调整客户结构、经营结构和收益结构,进行金融创新,转化经营风险。面对外资银行的激烈竞争,国内各家商业银行纷纷推出种类多样的个人理财服务和专属理财品牌,实现对中高端客户提供全方位深层次的个性化理财服务。本文以A银行作为论文的研究和分析对象,在多角度概括个人理财业务的内涵和分类的基础上,运用SWOT分析法研究A银行个人理财业务的现状,采取理论与实例相结合的方式,运用生命周期理论、行为金融学理论和投资组合等相关理论,通过借鉴发达国家和地区个人理财业务的经验,设计并制定出一套适合A银行个人理财业务的发展策略。
[Abstract]:With the development of economy, the level of personal wealth accumulates rapidly. At the same time, with the rapid development of China's financial market, the financial investment tools show a trend of diversification and complexity, and the concept of financial management is gradually strengthened, so the demand for financial services is becoming more and more diversified and complicated. China's commercial banks are in the era of small profits, it is urgent to build their core competitiveness, personal finance business has become a new hot spot in the development of commercial bank business. Personal finance business not only meets the market demand, but also expands the scope of the products management of the bank, which is helpful to adjust the customer structure, the management structure and the income structure, to carry on the financial innovation, to transform the management risk. Faced with the fierce competition of foreign banks, domestic commercial banks have launched a variety of personal financial services and exclusive financial management brand, to achieve the high-end customers to provide all-round and in-depth personalized financial services. This paper takes Bank A as the research and analysis object of this paper, on the basis of summarizing the connotation and classification of personal finance business from various angles, using SWOT analysis method to study the present situation of personal finance business of Bank A, and adopting the method of combining theory with example. Based on the life cycle theory, behavioral finance theory and portfolio theory, this paper designs and formulates a set of development strategies suitable for the personal finance business of Bank A by using the experience of developed countries and regions for reference.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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